Sudduths
Homes for Sale in Panama City, FL
All 257 homes for sale in Panama City, FL · median $349,000 · 120 homes for sale in 32401 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Sudduths 10Th in Panama City, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $410,000, a median 60 days on market, sellers accepting 91% of original asking (+7% versus the prior year). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,030 ($4,550 with the full homestead exemption).
| Location | Panama City, Bay County, FL · ZIP 32401 |
|---|---|
| Sale prices, last 12 months | $410,000 median across 4 closed sales · +7.3% vs the prior 12 months |
| Days on market (closed sales) | 60 median |
| For sale right now | 1 active, 1 pending · median asking $435,000 |
Data as of September 20, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Market figures describe homes, not residents. Cite as: Momentum Realty, “Sudduths 10Th key facts,” movewithmomentum.com/neighborhoods/sudduths-10th, data as of September 20, 2026.
Sudduths 10Th is a small, low-turnover pocket of Panama City — the most recent snapshot is built on just 5 closings, so any single sale can move the median. With that caveat, the median price sits at $400,000 and it has come down 4.6% year over year, which reads as a market working through softer demand rather than one in freefall.
The bigger story is the 81-day median time on market and a market heat score of 28 — both point to a buyer's pace, where homes sit long enough for real negotiation on price and terms. Sellers here should price to current conditions, not to the long-term trend; buyers get room to be patient and specific about what they want.
Sudduths right now
🟡 Still climbing. The trailing-12-month median ($410K) is up 7.3% from the prior 12 months ($382K) and up 211% since 2012. With about 7 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Low (4 and 10 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Sudduths market snapshot (as of September 20, 2026): the median sale price is about $410K, and a median 60 days on market for closed sales. The trailing-12-month median is up 7% from the prior 12 months and up 211% since 2012, computed from record-level CPAR MLS closed sales (4 closings in the current window).
In ZIP 32401 (Panama City), 337 homes closed in the last 12 months at a median of $307K, up 0.5% year over year, with a median 62 days on market. Right now 166 active and 29 pending listings — a buyer's market. See the live ZIP 32401 housing market and the Bay County market.
CPAR sales records identify 45 homes in Sudduths that have changed hands since 2010, built between 1923 and 2027 (median 1950), with a median living area of about 1,619 sq ft and a typical 3-bedroom, 2-bath layout; 73% are single-family homes. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
A quiet, small-sample corner of Bay County where pricing has pulled back slightly from a year ago even as it sits far above where it started back in 2012.
Who Sudduths is best for.
Best for
- Buyers targeting a specific home in Sudduths 10Th who are willing to research it individually rather than lean on neighborhood-wide data.
- Buyers who want negotiating room and are comfortable with a slower, more patient purchase timeline.
- Sellers who can price realistically against the current pullback rather than the longer-term 2012 baseline.
Probably not for
- Buyers who need a deep, high-volume comp set to validate every pricing decision.
- Sellers expecting a fast sale in line with a hotter market cycle.
- Anyone relying on neighborhood amenities as a deciding factor, since none are identified in current listings.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($410K) IS the median in the snapshot above, and the move from 2025 ($382K) IS the +7.3% one-year change.
Windows contain 1 to 13 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Bay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Bay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
13% of homes for sale in ZIP 32401 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-01).
Sudduths Market Scorecard
Sudduths is currently a balanced market., a median asking price of $435,000, and homes go under contract in about 84 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Sudduths 10Th, Panama City
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Sudduths
Live MLS inventory for Sudduths. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Sudduths listings as of 2026-10-01, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Every Home for Sale in Sudduths 10Th Right Now (2)
All 2 active and pending Sudduths 10Th listings with a detail page, newest first, refreshed twice a day from the MLS.
- 446 S Macarthur Avenue, Panama City, Fl 32401 · $379,000 · 3 bd / 2 ba · pending · listed Aug 31, 2026 · listed by Corcoran Reverie
- 523 S Bonita Avenue, Panama City, Fl 32401 · $435,000 · 3 bd / 2 ba · listed Jul 4, 2026 · listed by CENTURY 21 Commander Realty
The Sudduths buying strategy.
If we were buying in Sudduths today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Sudduths.
A Small Market, Read Carefully
With only 5 closings in the current window, Sudduths 10Th does not behave like a high-volume subdivision — each sale carries outsized weight in the numbers, and the median price of $400,000 should be read as a general marker rather than a precise ceiling or floor. The 4.6% year-over-year dip is modest, consistent with a market cooling from a hotter run rather than one under distress.
That longer run matters: values here are up 300% since 2012, which is a substantial cumulative gain even with the recent softening. Combined with a market heat score of 28 and a median 81 days on market, the current posture favors buyers willing to do homework on individual properties and negotiate — this is not a bidding-war environment right now.
The location and the amenities are priced into every listing in Sudduths. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Sudduths buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (7.2). Basis: Long-Term Appreciation +211% since 2012; Recent Direction +7.3% year-over-year; Pricing Power 90.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a low-volume market like this, pricing and negotiating strategy have to be built around the specific home, not a neighborhood average — we pull the actual comparable closings, not just the headline median, before advising on offer or list price.
Sudduths in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Sudduths buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Sudduths sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sudduths, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sudduths home worth?
Get a no-obligation home value based on real comparable sales in Sudduths, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Panama City →
Frequently Asked Questions
What is the median home price in Sudduths?
How long do homes in Sudduths take to sell?
Have Sudduths home prices gone up?
Who is the best real estate agent for Sudduths?
How do I find a top Panama City real estate agent who knows Sudduths?
Can Momentum Realty connect me with an agent for Sudduths?
Where is Sudduths, and what county is it in?
Should you buy in Sudduths?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: October 1, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (96 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the CPAR MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Sudduths 10Th fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Sudduths
- Home values · What homes in Sudduths actually sell for
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